- Payday loans in Toppenish follow Washington law (RCW 31.45 (Check Cashers and Sellers)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- The nearest larger city is Yakima, about 18 miles away.
Toppenish at a glance
| Toppenish | |
|---|---|
| Population (2024 Census estimate) | 8,658 |
| Change since 2020 | -1.9% (shrinking) |
| County | Yakima County |
| Size rank among 262 Washington places we cover | 101st |
| Nearest larger city | Yakima (about 18 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Yakima County | 1 |
| Other towns within 25 miles | 11 (about 159,272 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Toppenish follows Washington state law. Lenders that serve Toppenish, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions near Toppenish
No credit union has its main office in Toppenish, but these are based elsewhere in Yakima County (NCUA, June 2026):
- Solarity Credit Union in Yakima (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Toppenish
The main Washington rules for a payday loan in Toppenish: maximum loan: $700 or 30% of your gross monthly income, whichever is less; maximum fee: 15% on the first $500, 10% on amounts above $500; loans per year: no more than 8 in any 12-month period. See the full Washington payday loan rules.
What a $300 loan costs in Toppenish
The Center for Responsible Lending put the typical APR on a $400 payday loan in Washington at 391% (June 2023). For $300 at the state maximum, expect $45 (15% fee). Check any offer with our payday loan calculator.
Other help in Yakima County before you borrow
- Call or text 211 for help with rent, utilities and food in Yakima County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Toppenish
The nearest larger city is Yakima, about 18 miles away. See all 262 Washington cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Toppenish?
Yes. Payday loans are legal in Toppenish under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Toppenish?
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Where is the nearest credit union to Toppenish?
No credit union is headquartered in Toppenish, but Solarity Credit Union is based in Yakima, also in Yakima County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Washington DFI — Payday loans
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary